WPA adds moratorium underwriting


WPA has introduced moratorium underwriting on its individual private medical insurance (PMI) plans for clients who fit certain criteria.

For the last 13 years clients have only been accepted on an FMU basis, but following significant broker feedback it has made the change to extend its reach to new customers. The provider said it still favoured a full medical underwriting (FMU) approach but recognised that a moratorium would be preferred by some clients. To qualify, moratorium applicants must not have been diagnosed with heart disease, stroke, diabetes, cancer or be undergoing regular screening for cancer nor had a surgical procedure or arthroscopy for a joint or back condition. Applicants over 18 must also have a b...

To continue reading this article...

Join Professional Adviser for free

  • Unlimited access to real-time news, industry insights and market intelligence
  • Stay ahead of the curve with spotlights on emerging trends and technologies
  • Receive breaking news stories straight to your inbox in the daily newsletters
  • Make smart business decisions with the latest developments in regulation, investing retirement and protection
  • Members-only access to the editor’s weekly Friday commentary
  • Be the first to hear about our events and awards programmes



Already a Professional Adviser member?


More on PMI


Bupa rolls out full mental health cover to individual market

Time limits removed

Adam Saville
clock 07 June 2019 • 1 min read

VitalityHealth launches 'comprehensive' mental health package

Unlimited CBT and counselling

Adam Saville
clock 07 February 2019 • 2 min read

April UK withdraws from UK health insurance market

'Existing PMI customers will require advice'

Adam Saville
clock 19 July 2018 • 1 min read